Financially Challenging can be defined as an individual or organization lacking the financial means to meet their obligations in a timely manner. It is often used to describe those who have fallen behind on payment obligations, such as debts owed to creditors. Financially challenging people and organizations may struggle to pay bills, manage cash flow deficits, cover costs of routine expenses, and build healthy reserves. They may also lack access to the credit needed to fund investments or take advantage of lucrative opportunities. Thankfully, there are many options available that can help individuals and companies get back on their feet and start down a path of fiscal responsibility.